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ITIN

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ITIN

For individuals with an ITIN and established credit history. FICO scores starting at 680. LTVs up to 85%, with a max loan amount of $3MM.

Non-Prime product, the borrower is able to use their ITIN documentation to verify their residency status and to obtain a U.S. credit report to complete the credit analysis. Also, we were able to use 12 months of their business bank statements to document their income, yielding a debt-to-income ratio of 43%.

NON QM Solution ITIN

  • Loans up to $2.5 million, Minimum loan of $125,000
  • One year seasoning for foreclosure, short sale or deed-in-lieu
  • Two years seasoning for bankruptcy, can use chapter 13 filing date
  • Purchase and cash-out or rate-term refinance
  • Primary home only (One unit only)
  • Non-warrantable condos allowed
  • Up to 50% DTI

Qualified Non-Citizens with Valid ITINs May be Eligible for up to 80% LTV!

  • Min FICO: 660
  • Max LTV: 80%
  • Max Loan Amount: $1.5MM
  • Wage Earner, Self-Employed, and Alt Doc Income All Accepted
  • Non-Traditional Credit Considered
  • Gift Funds Permitted After 10% Minimum
  • Eligible Properties: SFR, Attached, Detached, Warrantable Condos, Condotels, 2-4 Units, PUDs, Townhouses

Our Commitment

“Driven by a passion to see our clients succeed, we at Envision Lending go beyond the transaction. We’re committed to providing personalized, hands-on support to navigate the complexities of property lending. Because when you succeed, we succeed.”